In an increasingly interconnected world, where technology is rapidly transforming human and economic interactions, the financial sector is no exception to this digital revolution. Financial technology, better known as Fintech, is redefining traditional financial services (banking, insurance, etc.) by offering innovative, fast, and accessible solutions to a growing population. Today, Fintech stands as a pillar of the digital economy, integrating advanced technologies such as artificial intelligence, blockchain, and big data to reinvent traditional business models. From mobile payments and peer-to-peer lending platforms to neo-banks and cryptocurrencies, Fintech simplifies financial transactions while opening new doors for financial inclusion. However, this rapid evolution brings complex challenges regarding digital trust. As users embrace these new technologies, concerns about data security, cyberattacks, regulation, and privacy protection continue to rise. Digital trust—defined as users’ confidence in digital systems for secure and ethical interactions—has become a key factor in the widespread adoption of Fintech solutions. To fully realize its potential, Fintech must earn the trust of all stakeholders: consumers, businesses, regulators, and investors. This requires overcoming several challenges, including securing financial systems, implementing effective regulations, and educating users. According to recent studies, the global Fintech market is expected to reach exponential figures in the coming years. Yet, this rapid growth comes with significant challenges.
Cyberattacks targeting financial institutions are increasing, with estimated annual costs amounting to billions of dollars. In the Moroccan context, Fintech presents an excellent opportunity to accelerate financial inclusion and drive economic development. Through national initiatives such as the Morocco Digital 2025 strategy, mobile payment applications like M-Wallet, digital microcredit solutions, and the country’s commitment to technological innovation, Morocco is positioning itself as a strategic FinTech hub in Africa.
However, turning this vision into reality requires a strong foundation of digital trust. Ensuring data security, process transparency, and clear regulatory frameworks are essential levers to attract investors, encourage entrepreneurs, and reassure end users. This conference aims to bring together key financial and technological stakeholders to discuss the opportunities and challenges of Fintech. Furthermore, this conference will be an opportune moment to promote cooperation between the university, the financial sectors and Fintech companies/startups. Thus, proposals for concrete solutions and promising perspectives are expected in order to strengthen digital trust in a digitalized financial environment. Additionally, the event will highlight Moroccan and international initiatives in regulation, security, and financial inclusion.
General Chair: Pr. Fouzia OMARY
Co-Chair : Pr. Salima Trichni
Co-Chair : Pr. Mohammed BOUGRINE
Computer Science Research Laboratory:
“Intelligent Processing & Security of Systems” IPSS team
&
“Algorithms, Networks, Intelligent Systems and Software
Engineering” ANISSE team
Panel 1: "Fintech as a Driver of Economic Transformation"
Objective: Explore how Fintech is redefining traditional financial services, boosting financial inclusion, and impacting the digital economy.
Key Topics:
➢ Innovative business models of Fintech startups.
➢ The impact of Fintech on financial inclusion, particularly in Africa.
➢ Economic opportunities and challenges for traditional players (banks, insurance companies).
Panel 2: "Regulation and Trust in the Fintech Ecosystem"
Objective: Discuss the legal and regulatory frameworks needed to balance innovation and security in Fintech.
Key Topics:
➢ Regulation in general. Special cases: digital payments, cryptocurrencies, etc.
➢ Approaches to ensuring personal data protection.
➢ Harmonization of regulations across countries and regions.
Panel 3: "Cybersecurity and Resilience in Financial Services"
Objective: Analyze current threats and solutions to protect digital financial systems.
Key Topics:
➢ Major cybersecurity threats in Fintech.
➢ Technological solutions for securing financial transactions.
➢ Collaboration between businesses and governments to enhance resilience.
Panel 4: "The Role of Emerging Technologies in Digital Trust"
Objective: Explore how technologies such as AI, blockchain, and IoT enhance digital trust in the financial sector.
Key Topics:
➢ AI applications in financial services.
➢ Blockchain as a tool for transparency and transaction traceability.
➢ The future of digital payments and IoT integration.
Panel 5: "Education and Awareness for Digital Trust"
Objective: Highlight the importance of digital education and best practices to strengthen user trust.
Key Topics:
➢ Strategies to raise public awareness about digital security.
➢ Initiatives to educate youth and businesses on Fintech.
➢ The role of media in simplifying digital trust challenges.
Closing Panel: "Vision 2030: The Future of Fintech and Digital Trust in Morocco"
Objective: Gather all stakeholders to propose concrete recommendations for Fintech and digital trust development.
Key Topics :
➢ Key priorities for Morocco's Fintech ecosystem.
➢ Public-private partnerships to drive innovation and security.
Pr. BELHIAH Meryam - UM5
Pr. BENABOUD Hafsa - UM5
Pr. DOUZI Samira - UM5
Pr. ECHOUKAIRI Hassan - UM5
Pr. El Ammari Mohammed - UM5
Pr. EL OUAHIDI Bouabid - UM5
Pr. EL- YAHYAOUI Ahmed - UM5
Pr. EZ-ZAHOUT Abderrahmane - UM5
Pr. GUEDDAH Hicham - UM5
Pr. IDRISSI Abdellah - UM5
Pr. NAMLY Driss - UM5
Pr. OUACHA Ali - UM5
Pr. RAHMOUNI M’hamed - UM5
Pr. ZAOUI Yassine - UM5
Pr. ZIANI Fatima-Ezzahra - UM5
Pr. ZINEDINE Khalid - UM5
Pr. ZITI Soumia - UM5
Pr. AITWAKRIME ABDERRAHIM - UM5
Pr. BENAINI REDOUANE - UM5
Pr. BENKHALIFA Mohammed - UM5
Pr. BENMAMOUN MOUAD - UM5
Pr. ELAMRANI MOHAMMED - UM5
Pr. KHALIFI HAMID - UM5
Pr. OUARDI FAISSAL - UM5
Pr. REDA MOHAMED OUSSAMA - UM5
Pr. Mina ELMAALLAM - ESI (HCP)
Dr. Ayoub Nefissi - UM5
The final list of partners and sponsors is still being finalized
